Dave Q4 revenue +62% to $163.7M, net income +292% to $66.0M; FY 2025 revenue +60%; guides FY26 rev $690-710M

Dave Inc./DE

Q4 revenue $163.7M (+62% YoY); GAAP net income $66.0M (+292%); Adj. EBITDA $72.9M (+118%).
FY 2025 revenue $554.2M (+60%); net income $195.9M (+238%); Adj. EBITDA $226.7M (+162%).
FY 2026 guidance: revenue $690-710M (25-28% growth), Adj. EBITDA $290-305M, Adj. EPS $14-$15.
Board authorized new $300M share repurchase program, replacing prior $125M program with $113.2M remaining.
MTMs up 19% to 2.93M; ExtraCash originations +50% to $2.2B; 28-day past due rate improved to 1.89%.

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